XX商业银行信贷业务的风险控制研究-工商管理专业论文.docx

摘要 摘要 英国的次贷危机对世界经济形成了巨大的冲击，其影响因素众多，但无论 如何，美国商业银行和投资银行对信贷控制风险的放松难脱其责，信用风险是 银行经营过程中的主要风险，完善的信用风险管理对于商业银行的稳健营运至 关囊耍，而信贷风险的控制和防范也一直是我国商业银行改革和发展中的重要 问题，如何协调好放贷的数量提升与倍贷风险控制之间的关系一直是商业银行 发展中的重要问题。商业银行不良贷款的发生、金融体系脆弱等问题总是离不 开商业银行信贷风险的管理与控制。只有准确找出信贷风险产生的原因，发现 .信贷控制机制中存在的不足，才能彻底的提高商业银行倍贷业务的安全系数。 为了研究如何控制商业银行信贷风险，本文从国内外倍贷风险研究现状， xx 商业银行信贷风险管理状况及最化分析， xx 商业银行信贷风险的控制措施 等几个方面展开论述。本文在总结国内外倍贷风险控制理论的基础上，分析了 xx 商业银行风险管理现状，并总结了目前 xx 商业银行存在的风险点。针对的 xx 商业银行具体的经营现状及风险状况，灵活运用 5C 风险控制分析法从 品质、偿债能力、资本实力、抵押、条件几个方面构建评价指标体系，综合运 用模糊综合评价，专家打分法等方法对 xx 商业银行信贷风险状况进行实证分 析，最终得出结论 xx 商业银行信贷风险偏离。针对评价的结果，本文从宏观和 微观两方面提出 xx 商业银行借贷风险控制措施，以期搜能达到提高 xx 商业银 行的借贷风险管理水平的目的，并对其他商业银行借贷风险控制提供一定的借 鉴作用。 关键词z 商业银行倍贷业务风险控制 f Abstract Abstract Americas subprime mortgage crisis has a tremendous impact on the wor1d economy，no matter what kind of explanation it is，Americas commercial banks and investment banks have great liability，because they have not control risks effectively. Credit risk is the banks main risk during business processes，ωimprove credit risk m创lagement for commercial banks is very important.The control and prevention of credit risk has been an important issue during the reform and development of Chinas commercia1 banks. How to coordinate the relationship between the number of lending and the control of credit risk has been an important issue during the development of commerci a1 banks. 丁he incidence of non-performing loans in commercia1 bank，the weak financial systems and other issues has a relationship with the credit risk management and control of commercial bank. In order to increase safety in business credit completely ，we should identify the reasons for the credit risk arises scientifically ，and find the existing deficiencies in the credit control mechanism. In order to study how to control the credit risk of the commercial banks，this paper has reached several aspec阳 1.the Theory of credit risk at home and abroad， 2.the state and quantitative analysis of :XXcommercial banks about its current c